Acura RL Insurance Rate Quotes in Arlington

Insurance for Acura RLAre you doing reasearch to find cheaper Acura RL insurance in Arlington? Finding cheap prices for Acura RL insurance in Arlington could be kind of frustrating for drivers who are new to shopping for insurance online. With such a big selection of agents and insurers available, it can turn into a chore to find the perfect company for you.

Steps to buying affordable Acura RL insurance in Arlington

If you want to find the absolute lowest rates, then the best way to get cheaper Acura RL insurance in Arlington is to start comparing prices regularly from providers in Texas.

Step 1: Take a little time to learn about what coverages are included in your policy and the things you can control to keep rates in check. Many rating factors that drive up the price like at-fault accidents, speeding tickets, and a poor credit score can be controlled by improving your driving habits or financial responsibility. Later in this article we will cover more information to help reduce premium rates and find additional discounts.

Step 2: Quote rates from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can provide rates from a single company like Progressive or State Farm, while agents who are independent can quote rates from many different companies.

Step 3: Compare the new rate quotes to your existing coverage and see if you can save money. If you can save money and change companies, verify that coverage does not lapse between policies.

A valuable tip to remember is to use the same amount of coverage on every quote request and and to get rate quotes from as many companies as you can. This guarantees an apples-to-apples comparison and a better comparison of the market.

It’s easy to assume that insurance companies want to keep you from shopping around. Drivers who shop rates annually are inclined to switch companies because there are good odds of getting low-cost coverage. A recent insurance study revealed that consumers who compared rates regularly saved on average $865 annually compared to those who didn’t regularly shop around.

If saving money on car insurance is the reason you’re reading this, then understanding the best way to compare car insurance can save time and make the process easier.

It is always a good idea to take a look at other company’s rates periodically since rates are usually higher with each renewal. Despite the fact that you may have had the lowest premium rates on Acura RL insurance in Arlington a couple years back you will most likely find a better price today. Block out anything you think you know about insurance because you’re going to get a crash course in the best way to remove unneeded coverages and save money.

Insurance Price Influencing Factors

Many things are part of the calculation when premium rates are determined. Some are pretty understandable like a motor vehicle report, but other factors are not as apparent such as your marital status or your financial responsibility. Smart consumers have a good feel for some of the things that go into determining your policy premiums. If you have a feel for what controls the rates you pay, this enables informed choices that will entitle you to better car insurance rates.

Is you employer costing you more? – Jobs like fire fighters, executives, and accountants tend to pay the highest average rates because of high stress levels and lengthy work days. Other careers such as scientists, engineers and retirees pay the least.

Prevent your car from being stolen – Owning a car with an alarm system can help lower your premiums. Advanced theft deterrents like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all help prevent auto theft and help lower rates.

Better premiums on vehicles with better crash test results – Cars with five star safety ratings tend to be cheaper to insure. These vehicles have better occupant injury protection and lower injury rates means less claims paid and more competitive rates for policyholders. If the Acura RL scored at minimum four stars on or an “acceptable” rating on it is probably cheaper to insure.

Liability protection risk factors – Your policy’s liability coverage is the coverage that protects you if ever you are ruled to be at fault for damages from an accident. Your policy’s liability insurance provides legal defense coverage which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap compared to physical damage coverage, so do not skimp.

Consolidate policies to earn discounts – Many car insurance companies afford a discount for people who consolidate policies with them in the form of a multi-policy discount. This can amount to anywhere from five to ten percent in most cases. Even if you’re getting this discount drivers will still want to comparison shop to help ensure you have the lowest rates.

Youthful drivers cost more – Drivers with little experience tend to be more careless when driving with friends and because of this, their car insurance rates are much higher. Having to add a beginning driver to your car insurance policy can cause a big jump in price. Older insureds are proven to be safer behind the wheel, file fewer claims, and usually have better credit.

The following data uses these variables: single driver, full coverage with $1000 deductibles, and no discounts or violations.

Male rates may be higher – Over the last 50 years, statistics have shown that females tend to be a little less risky than males. However, don’t assume that females are better drivers. Men and women cause fender benders at a similar rate, but men cause more damage. Men also statistically have more aggressive citations such as reckless driving. Male drivers age 16 to 19 generally have the highest accident percentage and therefore are the most expensive to insure.

The diagram below shows the comparison of Acura RL car insurance costs for male and female drivers. The information is based on no claims or violations, comprehensive and collision coverage, $100 deductibles, drivers are not married, and no other discounts are factored in.

Add-on coverages you don’t need – There are a lot of optional add-on coverages that can add up when buying car insurance. Add-on coverages like personal injury protection, death and dismemberment, and term life insurance are examples of these. They may sound like good ideas when buying your policy, but if you don’t need them remove them from your policy.

Acura RL insurance loss statistics – Insurance companies use statistical claims data in order to profitably underwrite each model. Vehicles that the data determines to have a trend towards higher claim severity or frequency will have higher rates.

The table below outlines the compiled insurance loss statistics for Acura RL vehicles. For each policy coverage type, the claim amount for all vehicles averaged together is a value of 100. Values below 100 are indicative of better than average losses, while numbers shown that are more than 100 show a trend for more claims or an increased likelihood of larger losses.

Acura RL Insurance Claim Statistics
Specific Acura Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
Acura RLX 4dr 128 63 179 82

Empty fields indicate not enough data collected
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Data for Acura RL insurance

The rate information shown below covers a range of insurance coverage prices for Acura RL models. Learning more about how auto insurance prices are established can assist in making informed decisions.

Acura RL Insurance Rates in Arlington, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
RL 3.7 $242 $542 $496 $30 $148 $1,458 $122
RL 3.7 with Tech Package $242 $542 $496 $30 $148 $1,458 $122
RL 3.7 with Tech/CMBS Package $242 $542 $496 $30 $148 $1,458 $122
Get Your Own Custom Quote Go

Data variables include single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, claim-free, and multi-policy. Estimates do not factor in specific location which can impact prices considerably.

Physical damage deductibles

One of the hardest decisions when shopping for car insurance is how high should the physical damage deductibles be. The comparison tables below may aid in understanding the differences in price of buying low and high insurance deductibles. The first set of prices uses a $100 deductible for physical damage and the second price table uses a $500 deductible.

Acura RL insurance with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
RL 3.7 $454 $908 $382 $22 $114 $1,905 $159
RL 3.7 with Tech Package $454 $908 $382 $22 $114 $1,905 $159
RL 3.7 with Tech/CMBS Package $454 $908 $382 $22 $114 $1,905 $159
Get Your Own Custom Quote Go

Acura RL insurance with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
RL 3.7 $332 $614 $382 $22 $114 $1,464 $122
RL 3.7 with Tech Package $332 $614 $382 $22 $114 $1,464 $122
RL 3.7 with Tech/CMBS Package $332 $614 $382 $22 $114 $1,464 $122
Get Your Own Custom Quote Go

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, safe-driver, and multi-policy. Information does not factor in specific garaging location which can alter insurance rates considerably.

Based on this data, we can arrive at the conclusion that using a $100 deductible will cost in the ballpark of $37 more each month or $444 each year averaged for all RL models than selecting the higher $500 deductible. Since the policyholder would be required to pay $400 more if you turn in a claim with a $500 deductible as compared to a $100 deductible, if you normally go at a minimum 11 months between claims, you would come out ahead going with the higher deductible. The table below shows how you can do this calculation yourself.

Average monthly premium for $100 deductibles: $159
Average monthly premium for $500 deductibles (subtract): – $122
Monthly savings from raising deductible: $37
Difference between deductibles ($500 – $100): $400
Divide difference by monthly savings: $400 / $37
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 11 months

One important note is that raising deductibles to get cheaper rates results in more money out-of-pocket when you have a physical damage claim. You should have enough extra savings in order to pay the higher deductible in order to repair your vehicle.

Lower rates by qualifying for discounts

Some companies do not list every possible discount very well, so the list below contains both well-publicized and the harder-to-find savings tricks you should be using when you buy Arlington car insurance online.Save money with discounts

While discounts sound great, it’s important to understand that most discounts do not apply to the overall cost of the policy. Most only cut individual premiums such as collision or personal injury protection. Even though it may seem like all those discounts means the company will pay you, it just doesn’t work that way.

The illustration below illustrates the difference between Acura RL car insurance costs with and without discounts being applied to the rates. The rate quotes are based on a male driver, no tickets, no at-fault accidents, Texas state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, homeowner, multi-policy, multi-car, claim-free, and marriage discounts applied.

A few of the larger companies and a partial list of their discounts are outlined below.

Double check with each company which discounts you qualify for. Depending on the company, some discounts might not be offered in every state. To choose companies who offer discounts in Arlington, click here to view.

How to find a good Texas car insurance company

Choosing a highly-rated insurance company is hard considering how many different companies insure vehicles in Texas. The ranking data listed below could help you select which auto insurance companies you want to consider shopping your coverage with.

Top 10 Arlington Car Insurance Companies Ranked by Customer Satisfaction

  1. USAA – 91%
  2. AAA Insurance – 90%
  3. Esurance – 90%
  4. Mercury Insurance – 89%
  5. Nationwide – 89%
  6. Travelers – 88%
  7. Progressive – 88%
  8. Safeco Insurance – 88%
  9. State Farm – 88%
  10. Allstate – 88%

In the end, you can save money

Insureds change insurance companies for a number of reasons such as being labeled a high risk driver, denial of a claim, poor customer service or extreme rates for teen drivers. It doesn’t matter what your reason, finding a new insurance company can be less work than you think.

When you buy Arlington car insurance online, make sure you don’t reduce needed coverages to save money. In many instances, an accident victim reduced liability limits or collision coverage and learned later that they should have had better coverage. Your focus should be to get the best coverage possible at a price you can afford, but do not skimp to save money.

There are still a few companies who do not provide rates over the internet and usually these smaller companies only sell through independent insurance agents. Low-cost Acura RL insurance in Arlington can be sourced on the web as well as from independent agents in Arlington, and you should compare rates from both to have the best selection.

How to find better rates for Acura RL insurance in Arlington

If you want to save money, the best way to get affordable car insurance rates in Arlington is to start comparing prices yearly from different companies that sell auto insurance in Texas.

The key thing to know about shopping around is that you’ll want to make sure you compare the same amount of coverage on each quote request and and to look at every insurance company. This provides a fair rate comparison and the best price selection.

Much more information about insurance in Texas is available at the links below